Our Roths are our last buckets, to be inherited by our children or tapped 15-20 years from now. I want an investment that doesn't need oversight so a mutual fund, perhaps an index fund, would work well. They are at Fidelity but am open to Vanguard. I looked at funds with a dividend focus and found them wanting. Mid-cap growth might fit the bill.

[The IRAs will soon be primarily Wellesley, Permanent Portfolio with a salting of emerging markets & a couple distribution years of cash. We are both in our 70s.]

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Since you have such a long time until you will need the money, volitility should be of minimal concern. I would go 100% equities. Value shares beat growth, and small beats large. You should be able to find a Wilshire 5000 index fund, or something like that if you trust that the US is a good long term bet. small value beating large growth article

My gut is all equities too, we pick up bonds in the balanced IRA investments - particularly Wellesley. Interesting that your pick is small value over mid-cap growth. Would you suggest index over managed funds?

Brat
We look at our Roth in the same way. We are using Vanguard's extended market index ETF (VXF) and own in our Fidelity account which is setup as a brokerage account so no problem buying. Cost is same as any equity--$8/trade. It is a blend of midcap and small cap.
We also include a slice of intl emerging markets--Vanguard VWO and large cap dividends with DVY.
Nwsteve

My gut is all equities too, we pick up bonds in the balanced IRA investments - particularly Wellesley. Interesting that your pick is small value over mid-cap growth. Would you suggest index over managed funds?

At the end of that article, I think he references 3 ETF's that, if the rear-view mirror if a good guess for what's ahead, would leverage the mid and smaller equities his analysis says should beat the others over the long haul. You can pretty much ignore me, but Marrotta might be worth listening to. But I agree with the others that indexed are probably a better bet.

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